OUR COMMITMENT TO PRIVACY
Thank you for visiting www.ascendantgroup.com, www.ascendantinsurance.com, www.acicompanies.com, and/or www.ascendantclaims.com (the “Website”) and the Ascendant Mobile Application (the “App”), which are owned and operated by Ascendant Insurance Solutions, and/or its affiliates, Ascendant Underwriters, LLC, Ascendant Commercial Insurance, Inc., Ascendant Claims Services, LLC, or Optima Technology Solutions, LLC (“Ascendant”). Ascendant is one of the fastest growing insurance providers in Florida, and provides services, such as binding coverage, underwriting and pricing insurance policies in connection with Ascendant Commercial Insurance as well as insurance policies offered by third-party insurance carriers (each a “Third-Party Carrier”).
COLLECTION OF INFORMATION
Through the Website and/or App, we provide a platform that allows: (i) users to obtain information about the insurance policies provided by or through Ascendant (“Policy” or “Policies”); (ii) insurance agencies and agents to apply to become authorized by Ascendant to solicit and sell certain Policies to third-parties subject to approval by Ascendant (“Producers”) (such third-parties to whom such Policies will be solicited or sold are referred to herein as “Customers”); (iii) individuals and entities insured under a Policy (“Insured Party or “Insured Parties”) to review and manage, and submit payments in connection with such Policy; and (iv) Producers and their Authorized Employees (as defined herein), through the Agent Portal or App, to submit payments, obtain and submit Policy-related information and documentation, including Policy applications, quote requests, and motor vehicle reports (“MVRs”), and to review, track, and/or manage quote requests, application submissions, binders, issued Policies, Policy renewals as well as Producer’s production goals, Policy sales, and commission. We collect PII solely for the purposes of providing these services and other services that we may offer on or through the Website and/or App from time to time. In addition, we may collect non-personal information in order to operate, maintain, and improve the Website and/or App, our services and other product offerings.
The Website Is Not Intended For Use By Individuals Under 18 Years of Age
No one under the age of 18 may provide any personal information on or through the Website and/or App. We do not knowingly collect personal information, including PII, from anyone under 18. If you are under 18, do not: (i) use or provide any information on the Website and/or App or, on or through any of the features available on the Website and/or App; (ii) use any interactive features on the Website and/or App; or (iii) provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from an individual under 18 without verification of parental consent, we will take appropriate steps to delete that information. If you are a parent or guardian and believe we might have any information from or about an individual under 18, please contact us via email at email@example.com.
SECURITY OF INFORMATION
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of PII, we have put in place reasonable physical, electronic, and managerial procedures in line with generally accepted industry standards to safeguard and secure the PII we collect online and via the Website and App, and we make good faith efforts to store your PII in a secure operating environment.
You must also seek to protect against unauthorized access to any information that you use in connection with the Website and/or App, and you should remember to close the browser when you step away from your computer or cell phone and when you have completed your activities on the Website and/or App. If you choose to create an account on the Website and/or App (an “Account”), including but not limited to an Account for access to the Insured Portal or the Agent Portal, you must treat your user name, password or any other piece of information related to your Account (“Account Information”) as confidential, and except as otherwise stated herein, you must not disclose Account Information to any other person or entity.
A Producer may only disclose Account Information and/or grant access to such Producer’s Account on the Agent Portal and/or App to individuals employed or authorized by such Producer: (i) that are authorized by law, and by each Customer whose PII is contained on such Account, to receive access to all information provided on the relevant Account; (ii) that are authorized by law to submit requests for Policy quotes, submit Policy applications, issue Policies, or report claims information; (iii) have agreed, in writing, to refrain from disclosing Account Information or any information obtained through the Account to any unauthorized person and to refrain from providing any unauthorized person with access to the Account; and (iv) whose access is necessary in order for Producer to perform its responsibilities under the Producer Agreement and/or gain access to products or services offered via the Website and/or the App. The employees of a Producer that satisfy the requirements described in this paragraph are referred to herein as “Authorized Employees.”
You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your Account at the end of each session. Producers and Authorized Employees should refrain from accessing the Website, Agent Portal, and/or App from public or shared computers or cell phones. When accessing other parts of the Website, you should use particular caution when logging into and viewing your Account, and when submitting PII through the Website and/or the App using public or shared computers or cell phones so that others are not able to view or record your password or other information on your Account or otherwise.
In the event that we determine that there has been a security breach resulting in the unauthorized disclosure of PII to a third party, we will notify individuals whose PII has been so disclosed as required by law.
Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. As a result, while we strive to protect PII you submit to us, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. We also cannot guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. If you believe your PII has been compromised, please contact us as set forth in the “How to Contact Us” section.
USE AND SHARING OF INFORMATION
Ascendant facilitates the sale of insurance and other products offered by Third-Party Carriers and other companies, and offers you the opportunity to conveniently store information on the Website and/or App, including your or your Customer’s contact information, insurance quotes previously obtained, insurance application statuses, Policy summaries, billing statuses and other information. If you request to purchase a Policy offered by a Third-Party Carrier, we will share this information with the Third-Party Carrier, in connection with providing the requested products and services.
We will release information, which may include PII, as required by law to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order or to otherwise cooperate with law enforcement or other governmental agencies. We will also release specific information, which may include PII, in special cases, such as if there is an attempted breach of the security of the Website and/or App or a physical or property threat to you or others. We also reserve the right to disclose PII or other information that we believe, in good faith, is appropriate or necessary to (i) take precautions against liability, (ii) protect ourselves or others from fraudulent, abusive, or unlawful uses or activity, (iii) investigate and defend ourselves against any third-party claims or allegations, (iv) protect the security or integrity of the Website and/or App and any facilities or equipment used to make the Website and/or App available, or (v) protect our property or other legal rights, enforce our contracts, or protect the rights, property, or safety of others. We may also transfer user information, including PII, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. PII may be physically or electronically transferred to an acquirer, or successor or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, as well as in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets, for the sole purpose of continuing the operation of the Website and/or App. We may provide access to the PII you submit to us, and other information to our contractors who are performing services for us in connection with our Website and/or App or in connection with the products or services that you have requested or we may offer.
On occasion, we may collect PII from you in connection with optional offers or promotions. We will share such information with necessary third parties for the purpose of carrying out the special offer or promotion. Your participation in the optional offer or promotion constitutes your consent to such disclosure and use of such PII.
We may disclose the following categories of Personal Information relating to third parties for our business purposes:
- Personal information;
- Commercial information;
- Biometric information;
- Internet or network activity information
- Geolocation data;
- Audio, electronic, visual, and similar information;
- Professional or employment-related information;
- Education information; and
- Inferences drawn from other Personal Information.
RETENTION OF INFORMATION
We will retain your PII for as long as we need it to fulfill the purposes for which we have collected it and/or for the purposes described in this document, or such longer period as may be deemed by Ascendant and/or required by applicable law pertaining to records retention for our industry. We will retain and use information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We have adopted reasonable physical, technical and organizational safeguards that safeguard against accidental, unauthorized or unlawful destruction, loss, alteration, disclosure, access, use or processing of the data in our possession. Our policy is to protect and safeguard any PII we obtain in accordance with United States state or federal laws governing the protection of personal information and data. Accordingly, we adhere to practices and policies that aim to safeguard the data.
LAWFUL BASIS FOR PROCESSING
Generally, we process PII provided by visitors through our Website and or App on the basis of consent.
We may also process PII on other bases permitted by applicable laws, including but not limited to when the processing is necessary for us to comply with our legal obligations.
At any point while we are in possession of, or processing your Personal Data, you, the data subject, have the following rights:
- Right of access: You have the right to request a copy of the data we hold about you. Please contact us at firstname.lastname@example.org if you wish to access the personal information the Company holds about you.
- Right of rectification: You have the right to correct data we hold about you that is inaccurate or incomplete. If that data has been passed on to a third party with your consent or for legal reasons, then we must also ask them to rectify the data. Please contact us at email@example.com if you need us to rectify any of your information.
- Right to be forgotten: This is sometimes called the ‘right to erasure.’ In certain circumstances, you can ask for the data we hold about you to be erased from our records. If you want us to erase some or all of your PII, and we do not have a legal reason to continue to process or hold it, please contact us at firstname.lastname@example.org.
- Right to restriction of processing: You have the right to ask us to restrict how we process your data. This means we are permitted the store your data, but not further process it. We will keep just enough data to make sure we respect your request in the future. If you want the Company to restrict the processing of your data, please contact us at email@example.com.
- Right of portability: We are required to allow you to obtain and reuse your PII for your own purposes across multiple services in a safe and secure way without affecting the usability of your PII. If you want information on how to port your data to another organization, please contact us at firstname.lastname@example.org. Please note that this right only applies to PII that you have provided to us as the Data Controller and that this data must be held by us by either your consent or for the performance of a contract.
- Right to object: You have the right to object to us processing your PII, even if it is based on our legitimate interests, the exercise of official authority, direct marketing (including data aggregation) and the processing for the purposes of statistics. If you wish to object to the processing of your PII, please contact us at email@example.com.
- Right to object to automated processing, including profiling: You have the right not to be subject to the legal effects of automated processing or profiling. If you wish to object to the processing of your PII, please contact us at firstname.lastname@example.org.
- Right to review: In the event we refuse your request under any of the above rights, we will provide you with a reason as to why. You will also have the right to lodge a complaint, as outlined below.
- Right to withdraw consent: If you have given us your consent to process your PII but change your mind later, you have the right to withdraw your consent at any time and we must stop processing your data upon request. If you wish to withdraw your consent, please contact us at email@example.com.
Please note that the above rights are not absolute, and we may be entitled to refuse requests where exceptions apply. Should we determine that you are not entitled to exercise that right, we will provide you with the reason(s) for the denial. Also, please note that the erasure of your data may be subject to our records retention policy or applicable law. Should the data you seek to have erased fall within an area where we are under a legal requirement to retain such data for a certain period of time, we will retain that data in accordance with our legal obligations.
You may decline to share certain PII with us, in which case we may not be able to provide to you some of the features and functionality of the Website and/or the App.
At any time, you may object to the processing of your PII, on legitimate grounds, except if otherwise permitted by applicable law. If you believe your right to privacy granted by applicable data protection laws has been infringed upon, please contact us at firstname.lastname@example.org. You also have a right to lodge a complaint with data protection authorities.
ELECTRONIC COMMUNICATIONS AND OPTING IN AND OPTING OUT
COOKIES AND OTHER TECHNOLOGIES
Additionally, we may use IP address information to count and track aggregate visits to the Website and/or App, to help diagnose problems with our server, and to administer the Website and/or App. We do not link IP addresses to anything personally identifiable, so while a particular user’s session can be tracked, the user remains completely anonymous.
OTHER WEBSITE AND LINKS
The Website and/or App may include links to pages on third party websites, such as Ascendant’s social media pages, that we think will be of interest to you and may or may not be operated by Ascendant. These third party websites have separate data collection and privacy practices independent from ours, and Ascendant is not responsible for the policies or activities of such other websites, applications, or companies. Please contact such third parties directly if you have questions about their privacy policies.
REVIEWING, CORRECTING OR REQUESTING THAT WE DISCONTINUE USE OF YOUR PII
If you would like to review the current details of your PII or the PII submitted by you, or if you would like us to either change, or discontinue use of, your PII or other PII submitted by you, please contact us at: email@example.com.
Please note that while any changes you make will be reflected within a reasonable period of time, we may retain all information you submit for backups, archiving, prevention of fraud and abuse, analytics, satisfaction of legal obligations, or where we otherwise reasonably believe that we have a legitimate reason to do so.
You may decline to share certain PII with us, in which case we may not be able to provide to you some of the features and functionality of the Website and/or App.
At any time, you may object to the processing of your PII, on legitimate grounds, except if otherwise permitted by applicable law. If you believe your right to privacy granted by applicable data protection laws has been infringed upon, please contact us at firstname.lastname@example.org.
HOW TO CONTACT US
Ascendant Insurance Solutions
P.O. Box 141368
Coral Gables, FL 33114
Telephone: (305) 820-4360